# Rebalancing Planner

> Diff the user's actual allocation against their PORTFOLIO-PLAN.md targets and produce sized rebalancing suggestions. Use when the user asks to rebalance, check if they're over/under-weight, or align to a target. Read-only — suggestions only.

- Skill: `getlost01/rebalancing-planner` (Agent Skill)
- Install (CLI): `npx skillmds@latest add getlost01/rebalancing-planner`
- Raw SKILL.md: https://api.skillmd.com/api/skills/getlost01/rebalancing-planner/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Research & Search
- Author: getlost01 (https://skillmd.com/u/getlost01)
- Updated: 2026-09-17
- Page: https://skillmd.com/skills/getlost01/rebalancing-planner

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# Rebalancing Planner

Read-only; suggestions only, never orders. `reference/READ-ONLY-POLICY.md`
(hard rule) and `reference/RESEARCH-STANDARDS.md` (disclosure — this
skill always produces recommendations) apply. Works over whichever
broker(s) `BROKERS.md` names active — resolve any capability against
`reference/BROKER-CAPABILITIES.md`.

## Steps

1. **Load the target.** Read `PORTFOLIO-PLAN.md` for the target
   allocation and bands, risk limits, and **rebalancing rules** (cadence,
   action threshold, correction order, selling constraints,
   untouchables). Those rules decide whether a drift is even actionable
   and how to close it, so read them before computing anything. Missing
   or stale section → say so and offer `portfolio-plan-builder`; never
   invent a target.

2. **Pull actual holdings.** Equity holdings capability, from every
   active broker (a user split across brokers holds different things in
   each — diff the union, not just one). Open F&O/intraday positions
   capability if the plan has a derivatives bucket. The MF sleeve comes
   from `PORTFOLIO-PLAN.md`, unless INDmoney is active and covers it
   (net-worth/holdings capability — see `BROKER-CAPABILITIES.md`'s
   unverified rows before relying on it); if neither, the fund
   side of any target-vs-actual diff is unknown — say so rather than
   treating the equity book as the whole portfolio.
   Mark everything to current market value via LTP / quote+depth
   capability — allocation is by current value, not cost.

3. **Compute current allocation** by the plan's own buckets
   (large-cap / mid-small-cap / ETF / MF / F&O / cash) and by
   single-stock and sector weight, using fundamentals/screener capability
   for sector and market-cap classification where needed (Groww-only
   today).

4. **Diff against target:** bucket current % vs. target %, stated **both
   in percentage points and in rupees** — "8pp over target, ~₹2.1L to
   trim" reads as an action; "8% over" alone doesn't say how much money
   moves. Single-stock and sector limits breached; any thesis whose
   invalidator has been hit (a broken thesis changes what to trim first);
   overlap between funds/ETFs, which counts against diversification even
   when buckets look fine.

5. **Suggest concrete moves**, sized in ₹ or % — "trim large-cap by ~₹X
   (N% over target)", "add ~₹Y to ETFs to close the gap" — for the user
   to execute themselves in their broker's app. Before suggesting churn
   on a marginal drift, weigh it against what moving actually costs:
   STCG triggered on a recent lot, exit load, or brokerage/impact cost
   eating a chunk of what the rebalance is meant to fix — flag it rather
   than sizing the trade as if it were free.

6. **Present:** target-vs-actual table first, then concentration and
   overlap flags, then the moves with brief reasoning each, then the
   disclosure block. Where a move is a specific instrument swap rather
   than a bucket adjustment, point to
   `stock-research`/`mutual-fund-analysis` first — a bucket gap doesn't
   dictate which name fills it. Formal version:
   `reference/templates/rebalancing-planner.md`.